The end of the tax year is upon us, and that means savers have only a few days left in order to use their annual Isa allowance. For the 2015-16 tax year, that stands at a hefty £15,240 which they can save in a tax-free savings account.

Sadly, it's not that easy to find a decent return on your money. In fact, Moneyfacts has declared this "the worst ISA season on record", as a result of providers withdrawing and cutting deals rather than introducing better ones. 

However, don't despair. It is still possible to find a decent return on your money.

We've picked out the very best instant access, notice and fixed rate cash Isa accounts.

Top instant-access cash Isas

These are the top rates on offer if you want to easily get your hands on your cash at any time.

ISA

Rate

Minimum deposit

Bonus

Notes

Access

Coventry BS Easy Access Isa 

1.40%

£1

None

Transfers and new subscriptions.

Online, branch, post, phone

Skipton BS Bonus Cash Isa 

1.40%

£1

0.40% for the first 12 months

Transfers and new subscriptions.

Online, branch, post

The Family Building Society Market Tracker Cash Isa

1.33% £500 None Transfers and new subscriptions Online, post, phone

Virgin Money Defined Access E-Isa 

1.31%

£1

None

Transfers and new subscriptions.

 

Online

As you can see, some instant-access accounts come with temporary bonuses. We’ve got no problem with fixed bonuses. They mean that your interest rate can’t fall below a certain level for a set period. That's not the case with a variable rate bonus though.

Just remember that the interest rate on your account will almost certainly crash once the bonus expires.

Top notice cash Isas

At the moment giving a little warning before making a withdrawal gets you a slightly higher interest rate with the top notice Isas.

Account

Interest rate (AER)

Minimum deposit

Bonus

Notes

Access

Al Rayan Bank Notice Cash Isa

2.02%*

£250

None

Transfers and new subscriptions.

120 days’ notice required for withdrawals.

Online, branch, post, phone

Teachers Building Society Cash Isa Notice 90

1.55%

£100

None

Transfers and new subscriptions.

90 days’ notice required for withdrawals.

Post

*Expected profit rate

Top fixed rate Isas

Let's move onto fixed rate Isas, which lock up your money for a certain period of time.

With the Bank of England indicating that interest rates aren't likely to rise rapidly in the short term, it might be worth opting for a one- or two-year fixed rate in order to get a better return with the option to exit in the not too distant future.

Here are the best buys ordered by interest rate.

Account

Interest rate (AER)

Minimum deposit

Length of fixed rate

 Notes

Access

UBL Fixed Rate Cash Isa 

2.33%

£2,000

Five years

Transfers and new subscriptions.

Branch, post

Aldermore 4 Year Fixed Rate Account

2.25%

£100

Four years

Transfers and new subscriptions.

Online, post, phone

Shawbrook Bank 3 Year Fixed Rate Cash Isa Bond

1.85%

£5,000

Three years

Transfers and new subscriptions.

Online

Bank of Cyprus UK Fixed Rate Cash Isa

1.65%

£500

Two years

Transfers and new subscriptions only

Online, branch, post, phone

Al Rayan Bank 12 Month Fixed Term Cash Isa

1.90%*

£1,000

One year

Transfers and new subscriptions.

Online, branch, post, phone

*Expected profit rate

Even though they have significantly higher interest rates, beware of the risk that come from five-year bonds. The danger with locking your money away for longer is that rates may rise in just a couple of years' time, leaving you stuck with an uncompetitive account.

Compare savings accounts today